Under conditions, health insurance can compensate the insured for economic losses caused by health reasons. It covers a wide range, including medical insurance, sickness insurance, disability insurance and nursing insurance. Common critical illness insurance and medical insurance belong to health insurance. If you don't know much about health insurance, you can learn more through this article: Is it necessary to buy health insurance? These routines must be paid attention to!
The following senior introduces Hengqin Worry-Free Life Insurance 202 1 Critical illness insurance. Let's take a look at the protection map of this product first:
Hengqin Worry-Free Life Insurance 202 1 Critical illness insurance guarantees life, and the insured age ranges from 28 days of birth to 55 years old. Payment period can choose wholesale payment, 5/ 10/ 15/20/30 years, which is very flexible.
The waiting period of this product is 180 days. Under normal circumstances, the insured will not claim compensation for reasons other than accidental injury during the waiting period, but not all cases will not be compensated. You can see what the experts say: the insurance company will not pay during the waiting period? If you don't understand, you will suffer a big loss!
In terms of protection content, Hengqin Worry-Free Life Insurance 202 1 Critical illness insurance includes critical illness/moderate illness/minor illness protection, additional insurance premium for critical illness, exemption insurance premium for the death of the insured with serious illness/moderate illness/minor illness/total disability insurance premium. The insured can also choose whether to increase the fuel bag insurance premium for malignant tumors, the fuel bag insurance premium for cardiovascular and cerebrovascular diseases, and the insurance premium for children's special diseases.
In terms of critical illness protection, if the insured reaches the age of 28 days to 70 years (excluding) when he is first diagnosed with critical illness, the compensation ratio is as high as 150% of the basic insurance amount. If the arrival age of the insured at the time of first diagnosis of serious illness is 70 years old (inclusive) and the insurance period expires, the compensation ratio shall be 100% of the basic insured amount.
In terms of traditional Chinese medicine protection, the payment ratio of this product is 60% of the basic insurance amount, and the maximum payment is 3 times.
In terms of minor illness protection, if the insured reaches the age of 28 days to 70 years old (excluding) when the minor illness is first diagnosed, the insurance company will pay 45% of the basic insurance amount if it meets the conditions. The insured who is diagnosed as mild illness for the first time will be paid 30% of the basic insurance amount if he reaches the age of 70 (inclusive) when the insurance period expires.
This product has three minor illness compensation opportunities, and the second and third minor illness diagnosis compensation ratio is 30% of the basic insurance amount.
Space is limited. For more information about Worry-Free Life 202 1 Critical Illness Insurance launched by Hengqin Life Insurance, please click on this article: Three Concepts of Worry-Free Life 202 1. Understand clearly before buying!
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